Open to opportunities

Noviyanto Ewanjaya

@noviyantoewanjaya

Message

I lead product and credit-decision systems for regulated B2B fintech.

Indonesia

Message

What I'm looking for

I’m seeking a Head of Product or VP Product role in B2B fintech, SME lending, or AI-adjacent financial infrastructure in Indonesia or Europe—where credit depth, regulatory fluency, and risk-aware product judgment are decisive advantages.

I design the systems that decide who a lending business lends to, on what terms, and when it should decline. Over ten years at KoinWorks, I progressed from founding team member (#7) to Head of Product, ultimately owning the decision architecture behind four regulated lending products and the platforms that powered them.

I re-architected four independently built lending systems into a unified modular operating platform—standardizing credit decisioning, compliance, and servicing while preserving product-specific flexibility. I made the credit bureau check a mandatory disbursement gate rather than an optional step, moving KoinPayLater’s bad-loan rate from roughly 12 percent to 3 percent, and I redesigned repayment mechanics to drive loan-at-risk from about 17.4 percent toward 10 percent.

I also established enterprise AI decision infrastructure on Provenir Decision Cloud, enabling governed credit-policy experimentation through Champion/Challenger testing and configurable risk workflows. Beyond product leadership, I expanded into executive responsibility for collections and corporate communications, and completed eight years as the company’s named representative to Indonesia’s financial regulator OJK—closing the feedback loop between origination, portfolio performance, regulatory oversight, and executive stakeholder management.

Experience

Work history, roles, and key accomplishments

Current

Head of Corporate Communications

Current

KoinWorks

Jan 2026 - Present (6 months)

Led KoinWorks external communications, directing PR agencies, managing media relations, and coordinating with the national fintech lending association. Aligned regulatory and stakeholder messaging for OJK, the Board, and investors across three regulatory scenarios.

Public Relations Media Relations Stakeholder Management Industry Coordination

Head of Collection Operations

KoinWorks

Jan 2025 - Dec 2025 (11 months)

Directed end-to-end collection governance across desk, field, legal, and third-party operations, with settlement authority over non-performing portfolios. Used collections as a feedback loop to redesign upstream credit policy and product controls and expanded recoverable surface with CLIK bulk enquiry for skip tracing.

Portfolio Management Legal Operations Skip tracing Vendor Management Recovery Operations Credit Policy Feedback

Head of Product — Lending Platform

KoinWorks

Mar 2023 - Dec 2024 (1 year 9 months)

Owned product strategy, platform architecture, and operating model for KoinWorks regulated lending systems (LOS and LMS), leading ten product managers across four lending products. Re-architected four lending systems into a unified modular operating platform, standardizing credit decisioning, compliance, and servicing while preserving product flexibility.

Product Strategy Lending Platform Architecture Credit Bureau Integration (SLIK)Compliance Servicing Lo S LMS Regulatory Reporting OJK PSrE Digital Signatures Repayment Mechanics Redesign Chubb Insurance Integration Fraud Detection Buyer Payment Matching Portfolio Governance

Lead Product Manager — Lending & Risk

KoinWorks

Jun 2021 - Feb 2023 (1 year 8 months)

Established enterprise AI decision infrastructure using Provenir Decision Cloud, enabling governed credit-policy experimentation via configurable policies and Champion/Challenger testing. Launched multiple lending products and delivered OCR- and SLIK-powered instant approvals with mandatory credit controls, while scaling product leadership and governance.

Provenir Decision Cloud Champion Challenger Testing Configurable Credit Policies Product Launch Credit Bureau Integration (SLIK)Product Leadership

Product Manager — KoinBisnis (SME Credit)

KoinWorks

Dec 2019 - Jun 2021 (1 year 6 months)

Took KoinBisnis from a web-only product to a native mobile app as the sole product manager, defining borrower experience across direct and partner-channel lending. Used funnel analytics to prioritize and redesigned acquisition and credit journeys based on borrower insights from business development leadership.

Product Management Mobile Product Development Borrower Journey Design Funnel Analytics Acquisition Strategy Mentorship

Head of Business Development

KoinWorks

Dec 2017 - Dec 2019 (2 years)

Scaled SME disbursement eightfold through Tokopedia, Lazada, and Bukalapak partnerships by building the partner-channel lending model. Defined partner-specific risk-acceptance criteria with risk teams, treating merchant and seller credit populations differently based on risk needs.

Business Development Partner Management SME Lending Risk Acceptability Cross functional Leadership

Brand & Customer Experience Lead

KoinWorks

Jan 2016 - Dec 2017 (1 year 11 months)

Joined as a founding team member and launched the KoinWorks brand and P2P lending platform. Built lender trust in a newly regulated category under Indonesia's OJK framework.

Brand Building Customer Experience Product Launch